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AEP FAQs

Medicare AEP FAQs

Use our online contracting portal to request and submit your contracts. Speak to one of our marketing specialists first to make sure you are getting set up with the most competitive plans in your area. Each carrier has different requirements, but generally speaking, you will need a copy of your insurance license and your E&O insurance along with your personal information.

AHIP Medicare Training is a yearly course required by most Medicare Advantage carriers before you are allowed to sell their products. It consists of 5 modules and discusses Medicare Advantage and Prescription Drug Plan basics along with marketing and enrollment guidance. This course/certification is required every year to be able to sell and collect renewals from Medicare Advantage and Prescription Drug Plans. Learn more about AHIP at AHIP Certification Central.

If you are selling Medicare Advantage or Prescription Drug Plans, you will need to recertify with each carrier each year. This will likely require an AHIP certification as well. You will not need to recertify to sell Medicare Supplement, Ancillary, or Life insurance.

There are thousands of agents across the country making well over $100,000 per year. It takes a few years of steady production, but you can have a stable income for many years in this business.

You can get leads from direct mail pieces, family and friends, referrals from existing clients or local businesses, and internet leads to name a few. The best agents get their leads from several different sources. Check out 30 Ways to Generate Local Medicare Leads for more info.

Typically, Medicare agents will sell ancillary health products like Dental, Cancer, and Hospital Indemnity insurance along with Medicare Supplement, Medicare Advantage, and Prescription Drug Plans. You can also sell Life Insurance, namely Final Expense, but you have to do so compliantly. There are strict rules against selling Life products on the same appointment as a Medicare Advantage or Prescription Drug Plan.

You will need to certify for 2022 before you can order 2022 Medicare Advantage supplies. Once you’ve certified, you can order supplies through each company’s portal. If you are having trouble, or if you run out of supplies and need some quickly, your broker manager can help. You can find portal links and supply ordering instructions for a number of carriers on our supply ordering page.

You will be paid on 1/1 effective MA/PDP business in January. Carriers are not allowed to pay commissions on 1/1 effective business until the plan year begins. Dates vary by company, but most will start sending payments around the middle of the month. If you sell Medicare Supplement or Ancillary plans, those commissions can be paid during AEP.

Yes. In order to continue to receive renewals from a Medicare Advantage or Prescription Drug Plan, you must remain contracted and certified with each carrier. Some carriers will also require yearly attestations as a requirement for certification.

The CMS 2022 Medicare Advantage commissions are $573 for those who are new to Medicare and $287 for 1/1 effective renewals or like plan changes.

The CMS 2022 PDP commission rates are $87 for those new to Medicare and $44 for 1/1 effective renewals and like plan changes. These rates can vary based on state.

You cannot accept or submit an enrollment application until October 15th. You can, however, start marketing 2022 products, including making full sales presentations and recommending options, on October 1st.

Materials that offer generic information about Medicare typically do not need to be approved. Anything that references plan-specific information or is meant to draw a beneficiary’s attention to a specific plan or set of plans will need to be approved. See the Medicare Communications and Marketing Guidelines for more information.

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Aetna

 

Aetna is an American managed health care company that provides traditional and consumer-directed health care insurance and related services, such as medical, pharmaceutical, dental, behavioral health, long-term care, and disability plans, primarily through employer-paid insurance and benefit programs1. Aetna is a proud CVS Health company and shares a common purpose with CVS Health: bringing their heart to every moment of your health. Aetna believes that everyone should have a fair and just opportunity to achieve their best health, which is known as health equity. Aetna is committed to improving the environment, addressing health inequalities, investing in people’s health, acting with integrity and protecting against health care fraud and abuse.

Clover Health Certification Requirements for 2024

  • Details refer to certification for Clover Health. AHIP certification must be completed separately.

Clover Health Certification Links, Guides, Phone Numbers, Emails

Clover Health Certification Requirements for 2024

  • Details refer to certification for Clover Health. AHIP certification must be completed separately.

Clover Health Certification Links, Guides, Phone Numbers, Emails

Medicare Sales Training Guide

This comprehensive 64-page guide covers senior insurance sales from all angles, from licensing to sales.

“Medicare 101” details coverage types, benefits, eligibility requirements & more!

WellCare Producer Certification Requirements for 2024

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

WellCare Producer Certification Requirements for 2024

  • Details refer to certification for WellCare. AHIP certification must be completed separately.
  • Passing score is 85%.
  • 3 attempts.

WellCare Certification Links, Guides, Phone Numbers, Emails

Shared Health of MS Producer Certification Requirements for 2024

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • More information coming soon!

Shared Health of MS Producer Certification Requirements for 2024

  • Details refer to certification for Shared Health of MS. AHIP certification must be completed separately.
  • More information coming soon!

Devoted Health Certification Requirements for 2024

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.

Devoted Health Certification Links, Guides, Contact Info

Devoted Health Certification Requirements for 2024

  • Details refer to certification for Devoted Health. AHIP certification must be completed separately.

Devoted Health Certification Links, Guides, Contact Info

Humana Producer Certification Requirements for 2024

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • English Cert/Recert is now open.
  • To access this training you will login at www.Humana.com, then click on the “Get Certified/Recertify” button from the Humana Vantage home page.

  • If you have completed the Humana PY23 Certification and are currently certified to sell Humana Medicare products, the deadline will be 5:00 pm Eastern on Thursday, November 30, 2023, to complete the PY24 Recertification.

  • Spanish Cert/Recert will be launching later in the summer. More information coming soon.

Certification Links, Guides, Phone Numbers, Emails

Humana Producer Certification Requirements for 2024

  • Details refer to certification for Humana. AHIP certification must be completed separately.
  • English Cert/Recert is now open.
  • To access this training you will login at www.Humana.com, then click on the “Get Certified/Recertify” button from the Humana Vantage home page.

  • If you have completed the Humana PY23 Certification and are currently certified to sell Humana Medicare products, the deadline will be 5:00 pm Eastern on Thursday, November 30, 2023, to complete the PY24 Recertification.

  • Spanish Cert/Recert will be launching later in the summer. More information coming soon.

Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2024

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Passing score is 85%. You have 3 attempts.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

Cigna Medicare Producer Certification Requirements for 2024

  • Details refer to certification for Cigna Medicare. AHIP certification must be completed separately.
  • Passing score is 85%. You have 3 attempts.

Cigna Medicare Certification Links, Guides, Phone Numbers, Emails

BlueCross BlueShield of TN Producer Certification Requirements for 2024

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • More information coming soon!

BlueCross BlueShield of TN Producer Certification Requirements for 2024

  • Details refer to certification for BlueCross BlueShield of TN. AHIP certification must be completed separately.
  • More information coming soon!

Wellpoint Producer Certification Requirements for 2024

  • Details refer to certification for Wellpoint. AHIP certification must be completed separately.
  • Passing score is 90%.
  • 3 attempts.

Wellpoint Certification Links, Guides, Phone Numbers, Emails

Wellpoint Producer Certification Requirements for 2024

  • Details refer to certification for Wellpoint. AHIP certification must be completed separately.
  • Passing score is 90%.
  • 3 attempts.

Wellpoint Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2024

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • The 2024 Individual Medicare Producer Certification for MA, MAPD, PDP and SNP launches on Wednesday, June 28, 2023

          Aetna Medicare will offer two certification options:

  • Aetna Medicare Compliance Training: Certifies producers to sell Aetna only (AHIP alternative)
  • AHIP Medicare Training: Certifies producers to sell for mulitiple carriers, including Aetna. 

 

Aetna Certification Links, Guides, Phone Numbers, Emails

Aetna Producer Certification Requirements for 2024

  • Details refer to certification for Aetna. AHIP certification must be completed separately.
  • The 2024 Individual Medicare Producer Certification for MA, MAPD, PDP and SNP launches on Wednesday, June 28, 2023

          Aetna Medicare will offer two certification options:

  • Aetna Medicare Compliance Training: Certifies producers to sell Aetna only (AHIP alternative)
  • AHIP Medicare Training: Certifies producers to sell for mulitiple carriers, including Aetna. 

Aetna Certification Links, Guides, Phone Numbers, Emails